Gap Visa Credit Card

Card Review & Gap Rewards Calculator
5x Gap Brands
1x Everything Else
10% Off Gap Purchases
Bonus Points Shopping Days
Birthday Gift
Easy Returns
Spend To Silver Status

Review the benefits offered by the Gap Credit Card, calculate how many Gap Rewards Points you can earn, and compare results side by side top cards.


The Gap credit card is a solid option if you're looking to earn a great return on Gap, Gap Factory, and other Gap brand purchases. On top of offering a great return, you'll earn a discount when shopping specifically at Gap or Gap Factory stores, receive access to exclusive events and discounts, and much more. Assuming you pay off your balance in full every month to avoid the high interest of store credit cards, it's a great card to have for anyone that loves shopping with Gap.

Bonus Categories

The Gap Card features one bonus category which is shopping at Gap brand stores. There's no limit to the amount of bonus points you can earn spending at Gap brand stores and no limit to how much you can earn with the card in general.

  • 5x Gap Brands
    • Include purchases made in-store, online, over the phone, and via mail with:
      • Athleta
      • Gap
      • GapBody
      • babyGap
      • GapKids
      • Gap Maternity
      • Gap Outlet
      • Gap Factory Store
      • Banana Republic
      • Banana Republic Factory Store
      • Old Navy
      • Old Navy Outlet
  • 1x Non-Category

Perks & Benefits

The Gap Card comes with a healthy amount of benefits that's good if you're a fan of Gap and Gap brand stores.

  • Annual Birthday Gift
    • Must have made at least one purchase on your card within the last 12 months.
  • Spend Your Way To Silver Status
    • Earn 5,000 points during the calendar year to be upgraded to Gap Silver status.
    • When upgraded, you will receive the Gap Silver Credit Card.
  • Cardmember Only Offers and Promos
  • Bonus Point Shopping Days

Sign Up Bonus (SUB)

The standard sign up bonus for the Gap credit card is 20% off your first Gap or Gap Factory product purchase along with free shipping to a U.S. address (Puerto Rico included). If you open a new Gap credit card account online, you'll be sent a 20% discount code in which you'll have 30 days from account opening to use. If you open it in-store, it will apply to the first purchase you make at the register if you're approved.

Bonus Points

You can earn an easy 1,000 bonus points by signing up for Gap Inc brand emails and enrolling in paperless credit card statements once you have your card.

Fees

Annual Fee

The annual fee for the Gap Credit Card is $0. This means you'll always earn a great 5% return when making purchases at Gap brand stores. Remember to pay off your statement balance IN FULL every month otherwise you'll be paying interest which will feel like an annual fee and eat away at your earned rewards.

Authorized User Fee

There is no fee to add authorized users to your Gap Credit Card. If you have family or friends that shop at Gap brand stores, adding them can help you earn more points and help you obtain Gap Silver faster.

Foreign Transaction Fee

The Gap Credit Card has a foreign transaction fee of 3%. That means you will be charged a fee when you use this card outside of the United States making this a bad card for international purchases as well as international travel. I highly recommend only using this card in the United States.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
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Total Return
The percent you are earning based on spend, earnings, and fees.

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